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    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
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Debts sold to Hillesden Securities t/a dlc


cyllid
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Thanks

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Don't want to put a spanner in the works here but

 

am I right in thinking the debt is still at the early stages of being chased (not been to court) and this debt also built up from 2007.

 

 

 

If thats the case then is it not possible to drag this out for several more months

until you are up to the point that the court wouldn't even look at it (CCJ) due to the length of time (6 years)

 

at which point you can tell the bank/DCA/Mercantile and anyone else with their hooks in this to take a hike

because basically speaking none of them will ever be in a position to get a warrant to remove property against it???

 

My knowledge of debt recovery is admittedly out of date so if I am incorrect please chime in :D

 

Edit: the reason I am viewing this forum was research into DLC/Mercantile as I have received both letters and emails since February. The emails I have a filter set up for which basically automatically forwards them back then places the original in the trash :D

Edited by LAMA
afterthought...
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All, as an update - this is still ongoing! OH has, unsurprisingly in this climate, not sold his car yet and it doesn't look like it will go anytime soon.

 

I will post back later with full info but he rec'd letters from DLC offering a chance of reduced settlement back in Feb (I think) but he didn't have the cash and we are still not convinced that they are chasing for the correct debts.

 

To recap, credit file shows defaults for a CREDIT CARD and current account but debts being chased are for a LOAN and current account. The Loan/Credit card defaults are differing amounts but the a/c default has the same amounts on the letter to the credit file. Then last month he rec'd letters from a different DCA called Mercantile Data Bureau Ltd who said DLC had passed the debts onto them for chasing.

We responded to both DCA's basically asking for clarification as to what exactly they're chasing for as there are incongruities within the information supplied under the SAR and on OH's credit file. Yesterday DLC responded asking for a copy of OH's credit file and said that they assume the other debt is not in dispute and they will continue to chase for payments on that one (the bank account). Although i would argue that the account is only in default because they tried taking repayments out for a loan he doesn't remember (with an unsigned agreement provided by SAR) and then lumbered him with hefty fees for going overdrawn at £200 a pop!Will type up letters later.

 

 

if they have offered a discount there is somthing wrong with the debt

 

they'll never go near a court

 

safe to ignore them then.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 5 months later...

I have a question with regards to Subject Access Requests and credit files;

 

my OH applied for a full SAR with Lloyds when he had chaser letters from them and the DCA who were sold the debt(s).

 

A large pack of information was delivered but within it there was an unsigned credit agreement for a loan.

 

letters have gone back and forth trying to dispute the debt(s) as OH's credit file is showing a credit card debt

and not a loan debt with Lloyds, but no reference to a credit card within the pack of info supplied under the SAR.

 

Now the DCA are requesting a copy of OH's credit file to confirm what he's saying is correct.

 

So Q1 - When obtaining info under a SAR, does the company have to provide you with ALL pertinent information?

(ie, could they have excluded reference to a credit card for some reason?)

 

Q2 - Does OH have to send a copy of his credit file to the DCA or is the onus on them to prove that he is liable?

 

ThanksCyllid

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Hi

 

SAR should get you what you asked for.

 

If you only specified the loan account in the SAR request then that is all you will get. If you said in the SAR that you want ALL information on ALL and ANY accounts ever held then you should get everything.

 

How was your SAR worded?

 

No you don't have to give up your personal credit file to a DCA.

 

Did he actually have a credit card account with this lender?

 

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Hi,

 

SAR was worded:

Further to your letters dated 26th May 2011,

please supply me with copies of all the data which you hold on me in relation to any matter

and in any form and for any period of time.

 

Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you.

 

The Subject Access is not limited to my transaction history

and it is not limited merely to 6 years of historical information.

 

Additionally, where there has been any event in my account history over this period

which has required manual intervention by any member of your staff, or any other person,

 

I require disclosure of any indication or notes which have either caused or resulted in that manual intervention,

or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10; you have 40 days in which to comply.

 

If there is specific information which you require in order to satisfy yourself as to my identity,

 

please let me know by return.

 

Please note I have moved and the address to which you should send any further correspondence is detailed above.

I would be happy to collect any Data from my local branch.

 

OH can't remember specifically what he took out

- he did think it was a credit card but then when the info came after the SAR referring to a loan account

then he thought he was mistaken.

 

I wasn't with him when he got the loan/credit card

and he has moved numerous times since so doesn't haven't any supporting paperwork of his own to back it up.

 

He has tried going to CAB but the woman there was beyond useless

and refused to properly look through all the paperwork,

instead saying OH should just make a repayment plan.

 

I don't know where to turn now and what to do.

 

No wonder people bury their heads in the sand when they are chased for debts,

 

I feel like doing it and it's not even my debt to worry about!

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  • 10 months later...

Hi, been a while since I posted here but to quickly follow up,

 

we sent the CCA letter to the DCA and they keep sending a letter of ackowledgement

every 21 days "we are following up your request with the original lender.

...when this becomes available we will forward a copy to you".

 

However in the meantime,

Mercantile Data Bureau (another arm of DLC I believe?)

have sent letters saying the account was transferred to them.

 

Sent them a copy of the CCA letter which was sent to DLC

and then DLC replied saying MDB had passed the letter to them and

"we note your comments that the above account is in dispute

however you have not provided any details or evidence to substantiate your claims.

In order to investigate this matter fully, please provide further details,

along with anyevidence that your claims rely upon".

 

To further muddy the waters, OH received another '21 days' letter from DLC yesterday

and a letter from MDB claiming he had not responded to their last letter.

So now we're very confused about who is dealing with what.

Assumedly OH should not send anything to the DCA?

 

All going to plan, OH's debt becomes 6 years old next spring so do we just sit it out and wait for it to become statute barred?

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3 threads merged again

please keep to one thread.

 

pers i'd be ignoring the letter.

 

you keep entering into letter tennis

 

they'll think they've found a mug.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Sorry DX, consider me told.

 

We reply as we don't want it to come to CCJs. At present, it's 'just' defaults on his credit file but we're trying to save for a house deposit and I want these cleared before we make any joint applications for a mortgage and have OH's credit file leaving a negative mark on mine.

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:lol::lol:

 

don't worry about it..better to have all the confusion

as to what debts he has with Lloyds in one place!!

 

ok so's its getting near house buying time.

 

lets look at actually WHAT issues these debts are causing.

 

from what is showing on the CRA files?

[forget the others not showing total!]

 

what are the listed default dates?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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All references to a defaulted debt must be removed from your credit files after 6 years has passed from date of default,

whether paid off or not.

This is so that someone who continues paying something even after 6 years from default should not be at a disadvantage

to someone who pays nothing after default and ends up with a clean file after 6 years.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

so by end of may next year they will vanish.

 

prob not worth doing anything else

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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it is automatic

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Just wanted to update on this - we're still getting letters BUT after carrying out another credit search on OH, his defaults have mysteriously dropped off his file (statute barred Feb & May next year) and his credit rating is in the 'excellent' range. We're very happy - just need need to concentrate on saving even harder for that house deposit now!

 

Thanks all for your help.

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